我国银行经营模式的选择.docVIP

我国银行经营模式的选择 [摘要] 随着金融自由化、全球化、电子化的日益推进，综合经营已成为全球金融业发展的重要趋势之一。我国于2001年12月11日正式成为世界贸易组织成员，加入WTO后，我国银行面临着严峻的挑战。我国的《商业银行法》明确规定了我国现行的商业银行经营模式是“分业经营，分业监管”。在金融业快速发展的今天，面对激烈的市场竞争，要想提高国有商业银行的营业能力，创新能力和国际竞争力，要打造能与国际大商业银行相抗衡的中资银行，就应该不断进行体制及经营模式改革，走一条适合市场需要的经营之路。因此，除了分业经营是不够的，我国商业银行要尽快实现从分业向混业经营的过渡，必须以金融风险能得以有效控制为前提条件。在现阶段我国金融机构管理水平和监管下，努力加以实现混业经营。第一部分定义银行经营模式及对西方发达国家银行经营模式的变迁介绍和分析，试图从银行业经营模式变迁的历史说明：银行的经营模式并不是固定不变，而是要随着环境的变化而变化。 第二部分则是关于银行经营模式的理论论述，主要是从风险、效率、银企关系、经营收益这四个方面介绍相关的理论。 第三部分主要是通过对我国国有商业银行现行分业经营模式的分析说明分业经营模式已经不适应现在的经营环境，理应改变。 第四部分阐述了国有商业银行自身的竞争力提高对经营模式的要求，认为混业经营模式是其必然选择。 [关键词] 经营模式 分业经营 混业经营 [Abstract] With the financial liberalization, globalization, electronic daily advancement, comprehensive operation has become a global financial industry is one of the important trend of. China on December 11, 2001 officially became a member of the world trade organization, after China entered the WTO, bank faced with severe challenges. Our country commercial Banks explicitly stipulated in Chinas current commercial bank management mode is the decentralized management, supervised . In the financial industry fast development today, the face of the fierce market competition, to improve the state-owned commercial banks business ability, innovation ability and international competitiveness, to create with major international commercial Banks can rival, Chinese Banks, you should constantly system and management mode reform, follow a for the needs of the market management path. Therefore, in addition to separate operation is not enough, Chinese commercial Banks to as quickly as possible from separate to mixed-business management of transition, must take the financial risks can be effectively controlled for the prerequisite. At present our countrys financial institutions under the supervision and management level and work hard to achieve mixed-business management. The first part of bank management mode and the definition of western countries bank management mode is introduced and anal